Life Insurance is necessary for many reasons. It helps to ensure that your debts don’t outlive you, that your family can stay in the house that you made their home, that the family business stays in your family and it can provide a tax-free retirement income when needed. It can also help to leave a legacy by using the proceeds as a charitable donation. 

Let PIB help by analyzing your situation and guiding you to what makes the most sense in order to accomplish your goals. We deal with the leading insurance companies in Canada, and only recommend products and pricing that work for you.

 


Life Insurance needs evolve over time.
When you have financial obligations, you want to make sure you have appropriate protection at all times.

 

Protection for All of Life's Stages

infographic of coverage options over lifespan

Income & Debt Protection

  • Term Insurance – provides a benefit (typically a lump sum payment) in the event of death.  This type of insurance runs for a fixed term, renewing every 10 - 30 years, or for as long as you need it. Common needs are: TermMortgage or Business Owners insurance.

Asset Protection

  • Permanent Insurance – may include some form of cash equity to use later in life or add to the death benefit payout. Common forms are Whole Life , Universal Life, and Term to 100.

View our Living Benefits page to learn about the importance of Disability, Critical Illness, and Long Term Care coverage.

The Canadian Life and Health Insurance Association Inc. (CLHIA) also offers a helpful guide to understanding Life Insurance.

cover of CLHIA Guide to Life Insurance brochure

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